Valley Dental Associates
9199 Reisterstown Road, Suite 206B, Owings Mills, MD 21117

Dental Plan Basics: Know Your Insurance Needs

dca-blog_understanding-dental-insurance

Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in Owings Mills, call Valley Dental Associates today at (443) 898-1240 or make an appointment.

Valley Dental Associates offers affordable family dentistry and gentle, compassionate dental care in Owings Mills. Our office is conveniently located with extended hours to meet your needs. At Valley Dental Associates, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at Valley Dental Associates.

Read What Our Patients Say
Patient Reviews
Very pleasant experience. I come here regularly and am never disappointed. Hygienist Elena was excellent today.
Nicholas L.
Valley Dental Associates has a great staff….they have always been friendly and accommodating to my needs. My first time there was a dental emergency, (I did have an actual first visit […]
Arlene K.
The friendly environment and wait time is awesome.
Cameron J.
I have been going to this particular dental office practically all my life. My kids and husband also receive dental care here. I trust them with my and my family’s teeth.
Lauren C.
High level of competence of Dr. Gorman and staff; caring manner and professional interactions.
Leslie G.
I have already recommended two of my friends to this office. They are very professional and friendly.
Alicia H.
The assistant cleaning my teeth was very pleasant and very knowledgeable concerning my teeth problem and how it is affected by my diabetes.
Charles C.
First time receiving care from that dentist. I’m impressed. . . he was awesome!
Wyona C.
Dr. Gorman is a very good dentist.
Elyse S.
Office staff is efficient & clinical staff is knowledgeable & take good care of my teeth & gums.
Bonnie W.
Friendly, do good work, I like the people who treat me
Roger K.
Excellent service, from front desk to the dental chair.
Lacretia C.
I love them. They are the best. My husband and I have been with them for 15 years. You are guaranteed great service.
Debbie I.
patient care, as soon as you walk to the check in desk
Lacretia C.
I love my dental hygenist Matt he is always very nice and very good at making you feel at ease while getting a cleaning. Dr. Goreman is by far my favorite dentist I’ve ever had. He is […]
Brooke G.
Dr. Challagulla is AWESOME!!! I had my first root canal and it was better than expected. A day later and I feel no pain. Thank you guys!!!!
Tyesha H.
I was very happy with my services!
Willie R.
I thought this particular treatment was going to be painful during and after but that wasn’t the case. It was a good experience (for the dentist) , and even a better experience afterwards when […]
Christeen H.
I really liked the atmosphere along with how knowledgeable everyone was at this dental office.
Avril B.
It was the most thourough dental examination I have ever had. Everyone has a great bedside manner.
Michelle C.
We Accept Most Insurance Plans!
Learn More

We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

No Insurance? No Worries! See our discounts and offers here

Office Hours
  • Monday 8:30 AM - 5:30 PM
  • Tuesday 8:30 AM - 5:30 PM
  • Wednesday 8:30 AM - 5:30 PM
  • Thursday 8:30 AM - 5:30 PM
  • Friday 8:30 AM - 4:30 PM
Get in touch:
  • Phone: (443) 898-1240
Our Location